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SCHEDULE 13D
UNDER THE SECURITIES EXCHANGE ACT OF 1934
COMMERCIAL NATIONAL FINANCIAL CORPORATION
(Name of Issuer)
Common Stock, $1 par value
(Title of Class of Securities)
202216107
(CUSIP Number)
Kenneth R. Luneack
721 E. Washington, St. Louis, Michigan 48880
(517) 681-5774
(Name, Address and telephone Number Of person
Authorized to Receive Notices and Communications)
November 19, 1997
(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition which is the subject of this Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box [ ].
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1. NAME OF REPORTING PERSON SS. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Kenneth R. Luneack ###-##-####
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
3. SEC USE ONLY
4. SOURCE OF FUNDS
PF Personal Funds
5. CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) or 2(e) [ ]
6. CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
NUMBER OF SHARES 7. Sole Voting Power 56,935.53
BENEFICIALLY OWNED BY
EACH REPORTING PERSON
8. Shared Voting Power 0
9. Sole Dispositive Power 56,935.53
10. Shared Dispositive Power 0
11. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
56,935.53
12. CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES(SEE INSTRUCTIONS)
N.A.
13. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
5.94%
14. TYPE OF REPORTING PERSON
IN-Individual
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ITEM 1. SECURITY OF ISSUER
COMMERCIAL NATIONAL FINANCIAL CORPORATION
Common Stock, $1 par value
101 North Pine River Street, Ithaca, Michigan 48847
ITEM 2. IDENTITY AND BACKGROUND
(A) Kenneth R. Luneack
(B) Business Address:
721 E. Washington, St. Louis, Michigan 48880
(C) Principal Employment:
Owner of Ken Luneack Construction, Inc.
721 E. Washington, St. Louis, Michigan 48880
(D) This reporting person has not during the last five years, (i) been
convicted in a criminal proceeding (excluding traffic violations or similar
misdemeanors), or (ii) been a party to a civil proceeding of a judicial or
administrative body of competent jurisdiction and as a result of such
proceedings was or is subject of, or prohibiting activities subject to, federal
or state securities laws or find any violation of such laws.
(F) Citizenship:
United States of America
ITEM 3: SOURCE AND AMOUNT OF FUNDS OR OTHER CONSIDERATION
Personal Funds $405,000
ITEM 4: PURPOSE OF TRANSACTION
The purpose of the acquisition of common Stock is long term
passive investment. Mr. Luneack may acquire additional common stock
subject to availability at prices deemed attractive to Mr. Luneack.
However, Mr. Luneack may also determine to dispose of some or all of
his holdings. Other than set forth herein, Mr. Luneack has no plans or
proposals which relate to or would result in any of the actions
specified in Item 4 of Form 13D promulgated by the Securities and
Exchange Commission
ITEM 5. INTEREST IN SECURITIES OF ISSUER
(a) Kenneth R. Luneack 56,935.53 shares representing 5.94%
(b)
NUMBER OF SHARES 7. Sole Voting Power 56,935.53
BENEFICIALLY OWNED
BY EACH REPORTING
PERSON
8. Shared Voting Power 0
9. Sole Dispositive Power 56,935.53
10. Shared Dispositive Power 0
(c) Mr. Luneack gifted 2,112 shares to immediate family members during
the month of December.
(d) Not applicable
(e) Not applicable
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ITEM 6. CONTRACTS, ARRANGEMENTS, UNDERSTANDINGS, OR RELATIONSHIPS WITH RESPECT
TO SECURITIES OF THE ISSUER.
Not applicable
ITEM 7. MATERIAL TO BE FILED WITH EXHIBITS
No additional material filed as exhibits.
After Reasonable inquiry and to the best of our knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
(Date) Jan. 6, 1998
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(Signature) Kenneth R. Luneack
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(Name/Title)
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